Key legal question
Whether the insured’s post-31 January 2004 complaints were objectively and adequately caused by the accident.
Extracted holding
The alleged organic correlates were not objectively proven by imaging or other recognised methods; the adequacy test therefore had to be applied and failed.
Extracted reasoning
The expert report showed a healed pelvic fracture and no significant instability. The cited complaints could not be explained by clinical or radiomorphological findings and were therefore not organically objectified.